Thursday, July 1, 2010

Money Goals for July



Goals

Debt
  • Pay off Adams Small Loan by December--currently at: $0--we paid it off!!!
  • Get Emergency Fund Back to $5000-- currently $5861.43--added $1347.11 this month, we reached our goal!!
  • Keep paying Adams Big Loan--extra payments once small loan is gone-- currently at 35,643.72 down $363 will be paying $160 extra each month plus cc rewards. Hope to get this paid off by the time we are 30 yrs old
Save
  • Pay all medical bills etc with HSA Fund-- total surgery bill $2600. dont even know where to start with this. I think I will take whatever I can put into our funds and split it in half. Also use up everything in HSA funds.
  • Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 2123.00 added $416
  • Start Boiler Fund and buy a boiler this year with tax credit Save $2000-- currently $970.66 no change this month
  • Get Baby Fund up to $5500 at least--currently at 3870.84 added $485.15 this month!
  • Get Vacation fund to $1000--currently $60.20-added nothing this month
  • Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- currently at $541.48
  • Save $40 in HSA fund--currently we have two HSA balances: 220.01 and 446.59---will be using for medical bill
  • Start Cavs fund when our first fund reaches its goal and small loan is paid off--just started with $10
  • Start a new carpet fund

Frugal
  • No More than $200/mo on groceries--June $202...a little over
  • Free/Cheap stockups at drugstores- I will be getting a big check from Rite aid next month I think!
Home
  • Paint upstairs bathroom orange-- bought paint 1/10
  • Put in new toilet and plumbing downstairs done 5/10
  • Get window treatments for bedrooms done 5/10
  • Put in new toilet upstairs done 5/10
  • Get closet doors
  • Install toilet and sink done 5/10
  • Paint downstairs bathroom-- bought paint 1/10
  • Install bathroom floor--floor boards are down! 3/10
  • Paint computer room
  • Install Floor in computer room
  • Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
  • Buy carpet for guest bedroom
  • Buy floor for downstairs bathroom--bought 4/10
  • Redo electrical box- done 3/10
  • Get all downstairs plumbing done--done 3/10
  • Get Drywall done in downstairs bathroom-- done! 3/10
  • Put downstairs bathroom floor in done 5/10!
  • Paint Bathroom done 5/10!
  • Buy bathroom sink- done 4/10
  • Install dryer
  • Install cabinet in bathroom
  • Install countertop in bathroom
  • Buy upstairs carpet for guest room
  • Paint upstairs guestroom
  • Carpet Living and Dining rooms
Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
  • Pay off Credit Card biweekly--paid!
Budget
$200 mo groceries spent $202
$280 mo gas $172/mo
$600 year auto repair none this month
$50 mo electricity --$56.63! not sure why
$50 mo clothing--$64, got some new summer dresses
$100 fast food/dining--$278--Dawn came home and we went out
$40 Water quarterly--1/10 $31.41

Added Goals
  • pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
  • Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
  • Save $40 in HSA fund--will be put on hold until medical bill is gone
  • Get all funds done then make emergency fund $10000
  • Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. Paid off loan and now working on the medical bill
  • Buy a boiler in August
Completed Goals
  • Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs!
  • Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
  • Continue to contribute the max to my Roth $5000--Maxed 2/8
  • Close Huntington and move money to northwest saving--2/10
  • Pay $450 more for basement plumbing done! done 3/5
  • Buy Cavs season tickets...make a fund next year!--bought 3/10
  • Use Thank You rewards for Adams Loans-- used them! 5/10
  • Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
  • Pay off Adams Small Loan by December--PAID OFF!!! 6/10
  • Get Emergency Fund Back to $5000--5861.43!! 6/10
  • Once we get the Schwab card, get rid of Citi---done with citi! 6/10
Goals not completed
  • Pay off Adams Small Loan by March
  • Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
  • Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
  • Look into different mutual funds for Roth...--i still dont know what i am doing with this..
  • Opening a Chase checking because they are giving away $150

July Goals in my life





July-
Fun
Take Zak to the Little Cooks
Sean and Mandys Wedding
BBQ Party Hopefully
Meet Meghann for coffee
Go on a walk with Carolyn and Landon
Go to Wintergreen Hill Summer Picnic
Hangout with Sarah and Kevin
See Tom Green
Relay for Life
Read a book
Have a fire with friends
Take scooter ride to kent
Go on a hike to the waterfalls with adam

DIYing/Crafting:
Scrapbook 2 pages
Meet up with Lorina and help her scrapbook

Gardening:
Continue to water flowers
Pick raspberries

Home:
Finish painting guest bedroom
Get dryer hooked up
Get towel rack up

Cooking:
Make one new recipe every week!
Make a new dessert

Wellness:
Ride bike twice a week
Yoga twice a week

Work:
Work a contract at hillcrest
One day a week at Tripoint
Look into RNC

June Review-
Fun
Grandpas Party June 12--Grandma and Grandpa got sick :(
See Dawn when she comes home and get pedicures
Jeannie and Adams MCdonalds party
See Sarah and Kevin again-- Went to sushi with Sarah but no kevin :(
Read a book--Started
Have a fire with friends--still havent done that!
Meet up with sean and mandy to give wedding gift didnt get to!
Take scooter ride to kent---not yet...

DIYing/Crafting:
Scrapbook 2 pages, just got to do one...
Meet up with Lorina and help her scrapbook

Gardening:
Weed the raspberries
Plant watermelon
Plant strawberries

Home:
Get bathroom floor in
Wash our comforter once the washer and dryer are in--not in yet
Put up bathroom mirror, toilet paper roll and towel rack--still waiting on towel rack
Buy cleaning supplies for downstairs bathroom

Cooking:
Make one new recipe every 2 weeks--made Stuffed Eggplants and Cheesy Lasagna Roll ups! Both were great!

Wellness:
Run twice a week!--I was doing good until this week, been working 9 nights in a row, only ran once, no energy

Work:
Work a contract at hillcrest--did it!
Interview at tripoint--got hired and started!
Go agency at rbc--no positions, I quit